I think I've just about nailed down my new bike, but I have one lingering concern about geometry: standover clearance.

First, is standover height more typically measured from ground to top, or ground to center?

I'm specifically looking at the Jamis Sputnik 62cm. I'm 6'3.5", but only have a 32" pants inseam (really short legs, tall torso), so maximizing top-tube length is critical to me.

The 62cm Sputnik has a 34" standover height. I was experimenting with a measuring tape and a dowel, and found that 34" is just brushing the bottom of my nuts, but leaves a good 1/2-3/4" clearance from my pelvis. I can straddle this height comfortably flat-footed. Is this adequate? What's the risk of seriously hurting myself in an accident? Anyone have first-hand experiences to scare me away?

It doesn't seem like I'm going to find a bike that has the top tube length I need, and provides more clearance than that. (One day maybe I can afford a custom frame...)

Anyone know how Jamis measures? Is 34" standover to the top or center of the top tube?

What do people think?